Pay now or pay over time with PayPal Credit. Just use PayPal Credit in PayPal checkout.

Subject to credit approval.

Purchases of $99+ made on or before July 1, 2018:

No Payments + No Interest if paid in full in 6 months when you spend $99 or more.

Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.

No minimum payment required during the 6 month promotional period.

If you don't pay before the promotional period ends, you will owe interest at an Annual Percentage Rate (APR) of 19.99% on any remaining balance after the expiration date.

Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.

Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

Purchases of $99+ made on or after July 2, 2018:

No Interest if paid in full in 6 months on purchases of $99 or more.

Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.

A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.

No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.

For New Accounts: Variable Purchase APR is 25.49%. The APR is accurate as of 4/1/2018 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.

Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.

Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

Purchases of $98.99 or less:

Buy now and pay over time with PayPal Credit when you spend $98.99 or less.

If you pay your balance in full each month by the payment due date that is on your statement, you can avoid paying interest.

Or make the minimum monthly payments or any amount in between until you've paid off your balance according to your standard account terms.

We'll send you email reminders when your payments are due. You can also keep track of your account and view your statements online at any time.

If approved, Comenity Capital Bank will extend credit to you for the amount financed to pay for your purchase. Comenity Capital Bank will pay the merchant on your behalf for the purchase.

About PayPal Credit

PayPal Credit is a reusable credit line available on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores. Plus, it comes with the same security and flexibility you trust from PayPal.

Get more with PayPal Credit:

More payment flexibility.

Pay now or over time. You decide what's best for you.

Manage your accounts in one place.

By simply logging into PayPal.com, you can keep track of all your PayPal and PayPal Credit transactions at any time. Plus, we will email you when your monthly statement is ready so you can stay on top of your payments. If you don't have a PayPal account, it's easy to sign up at PayPal.com.

Easy, fast checkout.

There's no credit card needed, and no account numbers to enter. Get in, get out and get on with your life.

PayPal Credit is subject to credit approval as determined by the lender, Comenity Capital Bank, and is available to US customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Minimum purchase required is before shipping and tax. Offers not valid on previous purchases, returns or exchanges.

Frequently Asked Questions

+What is PayPal Credit?

PayPal Credit is a credit line that is built in to your PayPal account. You can use PayPal Credit during PayPal checkout on eBay and almost everywhere PayPal is accepted. In fact, set it as your preferred payment method and you’ll speed through PayPal checkout even faster.View PayPal Credit Terms and Conditions

+How do I start using PayPal Credit?

When you choose to apply for PayPal Credit, you’ll be asked to provide your date of birth and your Social Security number, and then to agree to the terms and conditions. You’ll know within seconds if you are approved. And here’s the cool thing: your PayPal Credit account will be linked to your PayPal account and you’ll see it as a payment option every time you check out with PayPal.

+How does the "No Payments + No Interest if paid in full in 6 Months" offer work?

You have the option to make no payments for 6 months on qualifying purchases. You will receive monthly statements and can make payments at any time. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. If you do not pay in full, interest will be calculated from the posting date (which is usually within a few days after the purchase date) and will be billed to your account.

+How do I pay my PayPal Credit bill?

You'll receive monthly statements and can choose to pay in full or over time (interest charges may apply). For your convenience, once you link your PayPal Credit and PayPal accounts, you can keep track of your purchases and make payments on PayPal.com. Pay your balance due from either your PayPal balance or your bank account.

Yes you do. Here's how it works: after you've been approved, Comenity Capital Bank will open a PayPal Credit account with a credit line of at least $250.

+How do I increase my credit line with PayPal Credit?

You can continue to use PayPal Credit for purchases and, if those purchases cause your outstanding balance to exceed your credit line, we'll evaluate you for a credit line increase. Your eligibility for a credit increase is determined by your credit history and customer history with PayPal Credit, and the Terms and Conditions. This will happen automatically during checkout, so you don't even need to ask.

+What is the Annual Percentage Rate (APR)?

The Annual Percentage Rate for standard purchases and cash advances on a PayPal Credit line is 19.99%, although some special offers have a lower, promotional APR. The Minimum Interest Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date to avoid interest charges. Learn more about the interest rate.

+What does "Subject to Credit Approval" mean?

PayPal Credit is a credit account that you can use to make purchases and send money. Comenity Capital Bank will review and consider your credit report and other credit related information prior to opening your account and establishing your credit line. Creditworthiness is determined by Comenity Capital Bank. This process happens in a matter of seconds as part of the PayPal Credit checkout process. Once you are a PayPal Credit customer, you can use your credit line to make purchases. If you make a purchase that would cause your outstanding balance to go above your credit line, we will review your credit history and history with PayPal Credit to instantly determine whether to increase your credit line.

+Is there a fee for late payments?

Yes, you will be charged a late fee for each month that the minimum payment is not paid by the payment due date. The first time you're late, the amount of the late fee will be the same amount as the missed payment, up to $27. If you're late again, the late fee will be up to $38.

Yes! PayPal Credit provides "zero fraud liability" protection, the same protection provided by most major credit cards. This means you are not responsible for unauthorized charges. And we verify your identity with top-of-mind information such as your date of birth and your Social Security number, so there's no account number that can be lost or stolen.

+Where else can I use PayPal Credit?

PayPal Credit is available on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores.